What is GMHBA’s best dental insurance for crowns?

Dental crowns are often used to replace or cover up badly damaged or irregularly shaped portions of a tooth, as well as completely replace the whole tooth. These prosthetic teeth are permanently cemented onto existing teeth, or dental implants and will typically last for decades. Crowns will be shaped and then coloured to match the rest of your teeth – giving you a perfect set of pearly whites along with all the functionality of a regular tooth.

Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
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Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
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Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
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Bronze Hospital & Bronze Extras Set Benefits

Entry level hospital cover. Includes preventative dental and optical.
$ 20.35
per week
Select

Bronze Hospital & Silver Extras Set Benefits

Entry level cover. Cover for a range of popular services that suit your lifestyle.
$ 24.35
per week
Select

Silver Hospital Plus & Bronze Extras Set Benefits

Moderate cover. Includes private hospital with some exclusions. Includes cover for preventative dental.
$ 29.90
per week
Select

* The price shown is per week and applies to a Single living in VIC with a $500 excess. It excludes LHC loading and includes a Base Tier Government Rebate

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Crowns that are permanently cemented onto the remaining healthy parts of a broken tooth are also known as caps. Dentists may recommend placing a crown over a cavity or decayed tooth instead of a large filling to reinforce the remaining parts of the tooth and hold it all together. Similarly, a crown may sometimes be required to cover up a tooth after a root canal and are also a common solution for fixing up chipped or broken teeth.

To replace an entire tooth a dental implant first needs to be surgically placed in the gums which will then be covered by a full crown.

Bridgework is another alternative wherein the adjacent teeth are ground down to serve as attachment points for a whole row of prosthetic teeth.

These days, crowns can be made out porcelain, ceramic or even metals such as stainless steel and gold. The choice of which material to pick depends entirely on your needs and budget. Because of its variety and flexibility, different types of dental crowns are widely used purely for cosmetic purposes.

The cost of dental crowns

Getting just one dental crown fitted typically starts at the price of a weekend away and can go up to several thousand dollars depending on the type of crown and the materials used. If a dental implant is required, the costs will rise significantly. Getting a dental bridge is a more affordable option, but even the simplest three-unit bridge requires two crowns and one whole fake tooth.

The need for a dental crown can occur at any time. A simple accident causing a badly chipped front tooth will require getting a full or partial crown as soon as possible if you are at all concerned about how your smile looks. And also, excessive tooth decay is another common reason that requires a crown, this can even occur with adolescents and children.

Private dental insurance for crowns

The way to prepare for expensive dental fees is to ensure you have the best health insurance you can afford that covers major dental procedures.

But, there’s more to picking out dental insurance than just looking for the lowest insurance premiums.

Most cheap and basic extras covers tend to provide a limited set of benefits and a lot of exclusions that are only useful for basic preventative care and routine check-ups. This means that you’ll still be left with expensive dental bills to pay out of pocket whenever you need procedures that are not covered.

If you want the best dental insurance for crowns, look for policies that deliver the highest rebates and benefits for the type of dental work and extras services you want to use. With GMHBA we offer our best health insurance extras cover: Gold Extras and Premium Package where you get back up to 75% on your dental bills, as well as generous annual limits.

And as you would expect from any top level extras cover, Gold Extras and Premium Packages provide benefits for a comprehensive set of health services not covered by hospital cover or Medicare such as optical, physio, chiropractic, homeopathy, psychology, podiatry and ambulance services among many others.

If you’re convinced these dental benefits sound appealing, but you’re just not going to get the use out of everything Gold Extras has to offer, let us introduce our Silver Extras cover.

Silver Extras is a midrange cover with significantly lower insurance premiums, but will still offer adequate protection against sky high dental bills. It is important to understand what is the best health insurance plan for you before you sign on the dotted line.

Extras cover with lots of options

With GMHBA you can sign up for extras cover with or without hospital cover. You can also mix and match different levels of hospital cover with any extras cover you desire, so you can sign up for Bronze Hospital with Silver Extras which will get you great dental insurance cover. GMHBA also offers different family and fitness packages to better fit certain lifestyles.

Whichever extras cover you choose, you can also pick between Set Benefits or Percentage Back. Set Benefits means that you’ll get back a pre-determined amount no matter how cheap or expensive your medical bills turn out to be. With Percentage Back, your refund will be based on the actual cost of the procedure up to the annual limit.

GMHBA also allow our members to choose the dentist or extras provider they prefer. Unlike many other private health funds that will only approve claims for procedures done by their preferred healthcare professionals.

More reasons to choose GMHBA

If it’s your first time to sign up for extras cover, you’ll initially have to serve the appropriate waiting periods before filing for claims. Waiting periods will typically range from two months for general dental, six months for optical and 12 months for all major dental procedures. And, from time to time you may be able to catch special promotions from GMHBA – like waived waiting periods or getting one month free.

Switching to GMHBA from another health fund is even easier. If you’ve already finished serving all the waiting periods from your previous extras cover, you won’t have to re-serve them again when you sign up with GMHBA. This means you can start enjoying your benefits right away. Any claims you’ve made within the year using your old extras cover will also be deducted from your new policy’s annual limits and sub-limits. Keep in mind, however, that these special rules will only apply if you’re switching to a similar or lower level of cover.

GMHBA is a not-for-profit private health insurer, which will always prioritize its members’ interests first versus satisfying its shareholders. We’ve also been in business for the last 80 years, so you know you’ll be in good hands.

If you’d like to know more about the best health insurance plan for you, we would be happy to answer any questions via chat, phone or email all of which you can find on our contact page. You can also drop by one of our local branches and speak to a GMHBA representative in person.